#1.. The MXT is designed for versatility.
#2.. The Coin & Jewelry mode is for hunting and identifying various coins, rings, and other small items.
#3.. The Relic mode also provides various TID suggestions for buttons, bullets, and other smaller-size artifacts.
#4.. Coins and jewelry items are very frequently associated with sites that might have an abundance of modern trash items (pull tabs, screw caps, etc.) as well as small, medium or large iron type objects from nails on up.
#5.. Often, those who hunt older sites like ghost towns, homesteads, military encampments, and the like are actually Relic Hunting, but in their mind are mainly searching for older coins. Others are searching for any of the 'neat old stuff' that might be at such a site. To them, this is 'relic hunting' due to the older site, and generally you'll encounter an ample amount of trash, especially iron junk.
In short, the MXT's versatility is made up of the manual controls that let the operator adjust the detector quiickly for the performance they want out of it, and for the mode that will best help them search for smaller targets in various environments where junk is anticipated. The MXT's quick response and quick recovery will work the best for the user if they have a smaller-than-stock coil affixed to the working end under most application conditions.
Sure, the stock 950 is 'OK' for open areas with a limited amount of masking trash, but I feel you should have at least one accessory coil. Matter of fact, something like the 5.3 Eclipse from White's is just about the best general purpose coil you could get from the manufacturer, and you would probably use it 90% of the time.
Just my biased opinions, of course.
<EM><STRONG>Monte</STRONG></EM>